Remember that investments go up and down in value, and you could lose money as well as make it. How you’re taxed will depend on your circumstances, and pension and tax rules can change. We don’t offer investment advice, so you’ll need to be confident you can manage your pension yourself. It's important to check that you won't lose out by transferring your pension.
Why combine your pensions?
A new job, more often than not, means a new pension. Given that the average person changes jobs 11 times, that's a lot of different pension pots to keep track of.
Not sure where all your old pensions are? You're not alone. According to the Pensions Policy Institute in 2022, as much as £26.6 billion is sleeping in lost or forgotten UK pensions.
Having your pensions under one roof isn't just good housekeeping. Consolidating pensions into one pot means lower costs, more control and minimal paperwork. You’ll be able to manage your whole pot online and pick where it's invested – but you’ll need to be happy looking after it yourself.
More on the benefits of consolidating pensionsIt's why more and more people are trying to find their lost pension pots. And it’s why we’ve launched a service that does all that for you, for free.
Choose your account to get started
Our pension finding service is available to AJ Bell customers only and works with our two types of personal pension account. If you already have an account with us, you can log in as usual and we'll just need a few details of your old employers to get started.
As the name suggests, a Self-invested personal pension (SIPP) is self-managed, so you must be happy with choosing and monitoring your own investments. This includes a huge choice of more than 2,000 investment options such as stocks, bonds, funds, investment trusts and exchange-traded funds.
The Ready-made pension comes with an all-in-one, low-cost charge and is a low-maintenance account for those that don’t want the hassle of managing their pension investments. Just choose from one of four AJ Bell funds to invest in, and our team of in-house experts will do the rest.
If you previously started a pension search with us but do not have an AJ Bell account, log in here to see what we’ve found.
How to find your old pensions in three steps
Our pension finding service is powered by our partner and pension finding specialist, Raindrop. They will reach out to you, your pension providers and other relevant parties such as your previous employers to find your old pensions. If you have any lost pensions that cannot be moved or if you need financial advice before transferring to us we will contact you. Once found, any activity relating to the transfer and investment of your pensions will be handled by AJ Bell.
1
Tell us aboutyour lost pots
If you've got an account with us, we’ll already know a little about you, meaning you can get started even quicker. Simply log in to start your search.
2
Relax as wedo the work
Your pension assistant will search for your pensions*, keeping you updated along the way. The process usually takes around 4-6 weeks.
3
Combinethem easily
We'll let you know what pensions we've found, so you can combine them in a Self-invested personal pension or Ready-made pension.
*Not all pensions can be searched for. Please do not provide details from your current employer or any public sector pensions, jobs you left before 1990 or before turning 22, that you held for less than three months or less than two years before 2000.
Why choose AJ Bell as your pension provider?
As one of the UK’s largest and most popular investment platforms, we want to help you feel good, investing. Here are just some of the reasons why over 503,000 customers choose AJ Bell.
We’ve got pension pedigree
As the UK's first online Self-invested personal pension provider, we know a thing or two about helping you save for retirement.
Experience and expertise
Established nearly three decades ago, we’re one of the most financially secure providers around. Oh, and we’re listed on the FTSE 250.
The support you need
Whether it's over the phone, email or webchat, our friendly team will be there to support you, when you need it, the way you need it.